CN103164790A - Internet payment system and data processing method thereof - Google Patents

Internet payment system and data processing method thereof Download PDF

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CN103164790A
CN103164790A CN201110408050XA CN201110408050A CN103164790A CN 103164790 A CN103164790 A CN 103164790A CN 201110408050X A CN201110408050X A CN 201110408050XA CN 201110408050 A CN201110408050 A CN 201110408050A CN 103164790 A CN103164790 A CN 103164790A
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delivery
interface
app
payment
delivery interface
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CN103164790B (en
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陈宁国
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Tencent Technology Shenzhen Co Ltd
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Tencent Technology Shenzhen Co Ltd
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Abstract

The invention discloses an internet payment system and a data processing method of the internet payment system. The internet payment system comprises a payment request response module, a payment confirmation response module, a synchronous call-back module and a call-back result processing module. The method includes the steps of returning to a payment page address corresponding to an order after receiving an order payment request of an application program (APP) system, freezing order amount of a user account after receiving a payment confirmation message of a payment page corresponding to the order from a user, synchronously calling back a shipment interface of the APP system, sending a shipment command including order information to the shipment interface and waiting for a shipment result of the shipment interface, deducting the frozen order amount from the user account when result information of successful shipment is received from the shipment interface of the APP system, and unfreezing the frozen order amount of the user account when the result information of successful shipment is not received from the shipment interface of the APP system. The internet payment system and the data processing method of the internet payment system have the advantages of being capable of improving data security of the existing internet payment system.

Description

Network payment system and data processing method thereof
Technical field
The present invention relates to the processing technology field of network data, relate in particular to a kind of network payment system and data processing method thereof.
Background technology
Along with the open great development in whole internet, appearances of swarming of a large amount of internet third party application programs (APP), how to guarantee the convenient and safe access of APP also successful business revenue become a problem demanding prompt solution.Present many APP charge for the user, and the user need to could be normally or use better APP to APP provider's defrayment.In a kind of modes of payments, the user can buy electronic payment certificate (as the electronic game coin in game class APP) and buy corresponding function in APP (as the digital virtual article in game class APP or some card).At present the industry modes of payments commonly used is that each APP system uses the electronic payment certificate that can authenticate of native system inside.But numerous APP is integrated on an open platform to move at present, and the user just can use all APP on this platform as long as login on open platform.
If the APP system uses the inner just electronic payment certificate of authentication of native system, for an open platform, therefore a large amount of existence of different types of electronic payment certificate are heavy burdens to the user, and present open platform generally pays with unified electronic payment certificate the charging function that various APP on this platform system provides.
present existing technical scheme is: there is the account of electronic payment certificate user and APP system side on open platform, when the user wishes to buy certain digital virtual article (referred to as stage property) of certain APP, initiate the payment request by the APP system to the network payment system of open platform, described network payment system return the payment address to the APP system and by the APP system forwards to subscription client, subscription client carries out delivery operation by this payment address, network payment system is withholdd to user account, notify the APP system to deliver to user (namely providing to the user stage property of buying) by the mode of readjustment asynchronous notifications afterwards, APP system autonomous decision after receiving described asynchronous notifications delivered to the user, the complete rear informing network payment system of delivering, network payment system adds money again in the account of this APP.In whole transaction flow, as the network payment system of the open platform of centre, only to be responsible for actually withholing and adding money, concrete stage property granting is transferred to the APP system by the mode of readjustment asynchronous notifications and is completed.System initiates to cancel payment if the stage property granting unsuccessfully, need to have APP.
The shortcoming of above-mentioned prior art scheme is:
Because network payment system notifies the APP system to deliver to the user by the mode of asynchronous notifications, the asynchronous notifications mode is not need the wait-for-response signaling, the delivery result needs the APP system again to initiate notice, therefore to carry out at least twice communication handshake process, also to carry out communication handshake process for the third time when cancelling operation, therefore existing this data processing method causes the bulk treatment speed of payment flow slower, is not suitable for the demand of the small amount immediate consumption functions such as data virtual article.
In addition, provide the processing procedure asynchronous notifications and carry out to the APP system due to digital article, cause having too much interactive operation between APP System and Network payment system, thereby provide the chance of destroying and distorting to rogue program, the security of data interaction is not high.
At last, very different due to third party APP system capability, the frequent generation of meeting causes the user to be withholdd by network payment system but the actual situation that can not receive stage property because of the problem of APP system, perhaps occur by problems such as malice cancellations, therefore the security of whole process of exchange is not high, easily causes the loss of user account.
Summary of the invention
In view of this, the invention provides a kind of network payment system and data processing method thereof, to improve speed and the security of existing network open platform payment transaction.
Technical scheme of the present invention is achieved in that
A kind of network payment system, this network payment system comprises:
Payment request respond module is used for receiving the order payment request of APP system, after receiving described payment request, returns to payment page address corresponding to described order;
The payment affirmation respond module be used for to receive the user to the payment affirmation information of the payment page corresponding to described order, the order amount of money freeze this user account after receiving described payment affirmation information in;
Synchronous callback module is used for the delivery interface of synchronous readjustment APP system, and described synchronous readjustment content comprises: send comprise described sequence information ship directive to described delivery interface, and wait for the delivery result of described delivery interface;
Readjustment result treatment module, the delivery interface from described APP system in being used for judging whether is at the appointed time received the successfully object information of delivery, if it is deducts the order amount of money that freezes from described user account; Otherwise, described in described user account freezed the amount of money processing of thawing.
Data processing method in a kind of network payment system, the method comprises:
Receive the order payment request of application A PP system, receive and return to payment page address corresponding to described order after described payment request;
Receive the user to the payment affirmation information of the payment page corresponding to described order, receive the order amount of money that freezes after described payment affirmation information in this user account;
The delivery interface of synchronous readjustment APP system, described synchronous readjustment content comprises: send comprise described sequence information ship directive to described delivery interface, and wait for the delivery result of described delivery interface;
If the delivery interface from described APP system is at the appointed time received the successfully object information of delivery, deduct the order amount of money that freezes from described user account; Otherwise described in described user account freezed the amount of money processing of thawing.
Be different from prior art, synchronous readjustment process of the present invention can be sent wait-for-response result after instruction, make and carry out a communication handshake process between network payment system and APP system and can complete delivery and process, realized quasi real time sexual transaction processing fast, less interaction times has reduced again the risk that interactive information is tampered simultaneously, improve security, be fit to very much the requirement of the small amount immediate consumption functions such as digital virtual article.Simultaneously network payment system is received delivery response and the operation of successfully just withholing of delivering at the appointed time, again can be in the situation that to deliver unsuccessfully, and the fund that the user of immediately thawing is on hold has guaranteed the fund security of user account.
Description of drawings
Fig. 1 is the composition schematic diagram of a kind of embodiment of network payment system of the present invention;
Fig. 2 is a kind of composition schematic diagram with embodiment of delivery gateway of network payment system of the present invention;
Fig. 3 is the composition schematic diagram of the embodiment with delivery proxy interface of network payment system of the present invention;
Fig. 4 is the composition schematic diagram of the embodiment with delivery gateway and delivery proxy interface of network payment system of the present invention;
Fig. 5 is a kind of process flow diagram of the data processing method of network payment system of the present invention.
Embodiment
The present invention is further described in more detail below in conjunction with drawings and the specific embodiments.
Core technology scheme of the present invention is that network payment system carries out following data and processes: receive the payment request about digital article order of application A PP system, receive and return to payment page address corresponding to described order after described payment request; Receive the user to the payment affirmation information of the payment page corresponding to described order, receive the order amount of money that freezes after described payment affirmation information in this user account; The delivery interface of synchronous readjustment APP system, described synchronous readjustment content comprises: send comprise described sequence information ship directive to described delivery interface, and wait for the delivery result of described delivery interface; If the delivery interface from described APP system is at the appointed time received the successfully object information of delivery, deduct the order amount of money that freezes from described user account; Otherwise, namely do not receive the delivery result at the appointed time, perhaps receive the delivery result but failed delivery result at the appointed time, described in described user account freezed the amount of money processing of thawing.
Fig. 1 is the composition schematic diagram of a kind of embodiment of network payment system of the present invention, is used for carrying out data processing method of the present invention.This network payment system 100 comprises:
Payment request respond module 101 is used for receiving the order payment request of APP system, after receiving described payment request, returns to payment page address corresponding to described order to the APP system, and notifies described payment affirmation module 102.
Payment affirmation respond module 102, be used for receiving the user to the payment affirmation information of the payment page corresponding to described order, the order amount of money freeze this user account after receiving described payment affirmation information in, and trigger described synchronous callback module 103 and synchronously adjust back, trigger message comprises sequence information such as order number.
Synchronous callback module 103, be used for synchronously adjusting back the delivery interface of APP system, described synchronous readjustment content comprises: send the ship directive comprise described sequence information (as order number) to as described in the delivery interface, the delivery result of described delivery interface is waited in and beginning timing.The delivery interface of described APP system is received delivery immediately after ship directive, and immediately returns to the delivery result.
In the present invention, described APP system need to be equipped with the delivery interface, and offer network payment system, and synchronously adjust back for network payment system, deliver to process and immediately return in this delivery interface need to guarantee after receiving ship directive at the appointed time and deliver result to network payment system.
Different from the asynchronous notifications mode of prior art, synchronous readjustment process of the present invention can be sent wait-for-response result after instruction, make and carry out a communication handshake process between network payment system and APP system and can complete delivery and process, realized quasi real time sexual transaction processing fast, less interaction times has reduced again the risk that interactive information is tampered simultaneously, improve security, be fit to very much the requirement of the small amount immediate consumption functions such as digital virtual article.
For the security that guarantees to communicate by letter between synchronous callback module 103 and APP system, the present invention in one embodiment the communication mode of the synchronous readjustment of 103 pairs of described synchronous callback module APP system delivery interface for adopting hypertext transmission security agreement (HTTPS, Hypertext Transfer Protocol Secure) mode.In order further to guarantee security, the communication mode of described HTTPS is the HTTPS mode of two-way verification.
Readjustment result treatment module 104 is used for judging that whether described synchronous callback module 103 receive the successfully object information of delivery from the delivery interface of described APP system at the appointed time, if it is deducts the order amount of money that freezes from described user account; Otherwise, described in described user account freezed the amount of money processing of thawing.In above-mentioned processing, network payment system is received delivery response and the operation of successfully just withholing of delivering at the appointed time, again can be in the situation that to deliver unsuccessfully, and the fund that the user of immediately thawing is on hold has guaranteed the fund security of user account.
Fig. 2 is a kind of composition schematic diagram with embodiment of delivery gateway of network payment system of the present invention.Referring to Fig. 2, in this embodiment, in order to support simultaneously better more than one APP system, this network payment system further comprises: delivery gateway 105, be arranged on this network payment system side, communicate to connect (can be that wire communication connection or radio communication connect) with the described callback module 103 of synchronizeing in network payment system, outside delivery interface communication with an above APP system is connected (being mainly to communicate by the internet by wired or invisible mode), for the delivery interface of an above APP system is synchronously adjusted back; Described synchronous callback module 103 is when the delivery interface of a certain APP of synchronous readjustment system, described delivery gateway 105 is submitted in the address of this APP system delivery interface, by the address synchronization readjustment described delivery interface of this delivery gateway 105 according to described delivery interface, and the delivery result that receives described delivery interface returns to described synchronous callback module 103, the information of passback also comprises the address information of described delivery interface together, and synchronous callback module is learnt delivery interface under the delivery result according to this address information.
In the present invention, the communication mode of the synchronous readjustment of 103 pairs of synchronous callback module shown in Figure 1 APP system delivery interface is the HTTPS mode, or is further the HTTPS mode of two-way verification.In described Fig. 2, adopt the communication mode of HTTPS to carry out alternately between the delivery interface of described delivery gateway and each APP system, or be further the HTTTPS communication mode of two-way verification.Because the https traffic mode is comparatively complicated, adopt HTTPS to need the APP system side to support the communication of HTTPS, in order to reduce the technological development threshold of third party APP system, promote better open network payment system, the present invention can also further arrange the delivery proxy interface in the APP system side in another kind of embodiment, by this delivery proxy interface outer net is realized the communication mode of HTTPS or economic benefits and social benefits verification HTTPS.
Fig. 3 is the composition schematic diagram of the embodiment with delivery proxy interface of network payment system of the present invention.Referring to Fig. 3, this network payment system further comprises the delivery proxy interface 106 in the internal network that is arranged on the APP system side, for example can be arranged in the machine room of APP system, be used for receiving the synchronous readjustment notice for APP system delivery interface that described network payment system side sends by the HTTPS mode, described delivery proxy interface adopts the delivery interface of the described APP of the synchronous readjustment of the mode of HTTP system, adopts the mode of HTTPS to return to the delivery result to network payment system after receiving the delivery result again.In actual scene, may there be a plurality of APP system in the machine room of described APP system side, therefore described delivery proxy interface 106 can be connected to by the internal network of APP system side an above APP system, network payment system is when the delivery interface of a certain APP of synchronous readjustment system, further give described delivery proxy interface with the address notification of this APP system delivery interface, this delivery proxy interface is further used for the delivery interface according to the address synchronization readjustment correspondence of described delivery interface.Certainly can adopt the HTTPS mode of two-way verification to communicate between synchronous callback module 103 described in Fig. 4 and delivery proxy interface 106.
Certainly, the described embodiment of Fig. 2 and Fig. 3 also can be used in combination, form the embodiment that comprises simultaneously delivery gateway and delivery proxy interface, as shown in Figure 4, described delivery gateway can directly carry out https traffic with the delivery interface of a certain APP system, also can be by the delivery interface communication of described delivery proxy interface and a certain APP system.In such cases, need to configure an allocation list in synchronous callback module, wherein configure which delivery interface direct-connected with the delivery gateway, which delivery interface need to be acted on behalf of by delivery connects, and the address of the address of configuration delivery interface and delivery proxy interface.When described synchronous callback module needed a certain delivery interface of synchronous readjustment, the query configuration table was determined the address of this delivery interface, sends to the delivery gateway, by delivery interface corresponding to address synchronization readjustment of delivery gateway by this delivery interface; If need to acting on behalf of by delivery, this delivery interface connects, the address of the proxy interface of further delivering sends to described delivery gateway, the delivery gateway first finds the delivery proxy interface by the address of this delivery proxy interface, the address of synchronously adjusting back instruction and delivery interface is sent to this delivery proxy interface, and this delivery proxy interface is adjusted back corresponding delivery interface according to the address synchronization of this delivery interface again.Certainly can adopt the HTTPS mode of two-way verification to communicate between delivery gateway described in Fig. 4 and delivery proxy interface.
Fig. 5 is a kind of process flow diagram of the data processing method of network payment system of the present invention; Referring to Fig. 5, wherein not only comprise the processing exemplary flow of network payment system, also comprise and the mutual exemplary flow of APP system and user side, specifically comprise:
Step 501, user side are logined the APP system, submit the order for a certain digital article to, and order comprises the information such as order number, article mark, the order amount of money.Described digital article refer to the digital article that such as the digital virtual stage property in game class APP, some card etc. can immediately be delivered online and receive.
Step 502, APP system receives that the backward network payment system of order sends the payment request, wherein mainly comprises the information such as order number, the order amount of money.
Step 503, network payment system receive that the backward APP of described payment request system returns to payment page address corresponding to described order, and this payment page comprises sequence information, order number for example, the order amount of money etc.
Step 504, APP system sends to user side with described payment page address.
Step 505, the user side described payment of login page address confirms that errorless rear click payment affirmation button wherein confirms, payment affirmation information is sent to network payment system.If user side does not have the logging in network payment system in this process, network payment system also further provides login interface for user's login, could confirm to submit to described payment affirmation information after the user logins successfully.
After step 506, network payment system are received described payment affirmation information, freeze the order amount of money corresponding in described order in described user's account.Described user account is the account of this user in this network payment system, and for example the available balance of described account is 100 yuan, and the described order amount of money is 2 yuan, freezes the amount of money of 2 yuan in this user account.
Step 507, network payment system are synchronously adjusted back the delivery interface of APP system, and described synchronous readjustment content comprises: send the ship directive comprise described sequence information (as order number) to as described in the delivery interface, and wait for the delivery result of described delivery interface.
In order to guarantee that described network payment system synchronously adjusts back the security of process of the delivery interface of APP system, in one embodiment, between described network payment system and APP system, the mode of HTTPS communicates.In order further to guarantee security, the communication mode of described HTTPS is the HTTPS mode of two-way verification.
Described two-way verification is a kind of using method of standard HTTPS.HTTPS mainly comes the guarantee information transmission security with the mode of certificate, and each " certificate/private key to " generated by trusted certificate authority (CA), and binding domain name or IP.One can come with the other side's CA certificate the validity of verification the other side certificate, and can according to certificate come verification the other side's IP address and domain name whether legal.Two-way verification is all effective and legitimacies of verification opposite end of two sides' difference.
The delivery interface of step 508~509, described APP system is according to described ship directive, at the appointed time to the processing of delivering of described order, for example the digital article that order is related send to the user in the intrasystem account number of this APP, perhaps open the function of order indication for the user, the user can use this function; After being disposed, delivery immediately return to delivery result (delivering successfully or failure) to network payment system.
The judgement of step 510, network payment system at the appointed time in (as 1 minute) whether the APP system delivery interface from the synchronous readjustment of institute receive the object information of successfully delivering, if it is deduct the order amount of money that freezes from described user account, for example deduct described 2 yuan of amount of money, the available balance of user account becomes 98 yuan; Otherwise, namely do not receive the delivery result at the appointed time, but perhaps receive the delivery result at the appointed time be failed delivery result, described in described user account freezed the amount of money processing of thawing, namely the available balance of described user account returns to 100 yuan.
In above-mentioned processing, network payment system is received delivery response and the operation of successfully just withholing of delivering at the appointed time, again can be in the situation that to deliver unsuccessfully, and the fund that the user of immediately thawing is on hold has guaranteed the fund security of user account.
In a kind of this embodiment of said method, can be further at network payment system side utilization delivery gateway, the delivery interface of an above APP system be synchronously adjusted back, when the delivery interface of a certain APP of synchronous readjustment system, described delivery gateway is submitted in the address of this APP system delivery interface, adjust back described delivery interface by this delivery gateway according to the address synchronization of described delivery interface, and receive the delivery result of described delivery interface.
Method of the present invention can also further arrange the delivery proxy interface in the APP system side, network payment system notifies described delivery proxy interface synchronously to adjust back the delivery interface of APP system by the mode of HTTPS, described delivery proxy interface adopts the delivery interface of the described APP of the synchronous readjustment of the mode of HTTP system, adopts the mode of HTTPS to return to the delivery result to network payment system after receiving the delivery result again.
Described delivery proxy interface can be connected to an above APP system by internal network; Network payment system is when the delivery interface of a certain APP of synchronous readjustment system, further give described delivery proxy interface with the address notification of this APP system delivery interface, by delivery interface corresponding to address synchronization readjustment of this delivery proxy interface according to described delivery interface.
Described network payment system is synchronously adjusted back in the process of delivery interface of APP system, adopt the mode of HTTPS to communicate between network payment system and APP system, comprising between: synchronous callback module and delivery interface, between delivery gateway and delivery interface, synchronize callback module with deliver between proxy interface and the gateway and deliver and can adopt the mode of HTTPS to communicate between proxy interface of delivering, and can further adopt the HTTPS mode of two-way verification to communicate.
The above is only preferred embodiment of the present invention, and is in order to limit the present invention, within the spirit and principles in the present invention not all, any modification of making, is equal to replacement, improvement etc., within all should being included in the scope of protection of the invention.

Claims (12)

1. a network payment system, is characterized in that, this network payment system comprises:
Payment request respond module is used for receiving the order payment request of APP system, after receiving described payment request, returns to payment page address corresponding to described order;
The payment affirmation respond module be used for to receive the user to the payment affirmation information of the payment page corresponding to described order, the order amount of money freeze this user account after receiving described payment affirmation information in;
Synchronous callback module is used for the delivery interface of synchronous readjustment APP system, and described synchronous readjustment content comprises: send comprise described sequence information ship directive to described delivery interface, and wait for the delivery result of described delivery interface;
Readjustment result treatment module, the delivery interface from described APP system in being used for judging whether is at the appointed time received the successfully object information of delivery, if it is deducts the order amount of money that freezes from described user account; Otherwise, described in described user account freezed the amount of money processing of thawing.
2. network payment system according to claim 1, it is characterized in that, this network payment system further comprises: the delivery gateway, be arranged on this network payment system side, communicate to connect with the described callback module of synchronizeing in network payment system, outside be connected with an above APP system communication, for the delivery interface of an above APP system is synchronously adjusted back; Described synchronous callback module is when the delivery interface of a certain APP of synchronous readjustment system, described delivery gateway is submitted in the address of this APP system delivery interface, according to the described delivery interface of the address synchronization of described delivery interface readjustment, and the delivery result that receives described delivery interface returns to described synchronous callback module by this delivery gateway.
3. network payment system according to claim 1 and 2, is characterized in that, described network payment system side is the HTTPS mode to the communication mode of the synchronous readjustment of APP system delivery interface.
4. network payment system according to claim 3, it is characterized in that, this network payment system further comprises: be arranged on the delivery proxy interface in APP system side internal network, be used for receiving that the mode of described network payment system side by HTTPS send for the synchronous readjustment notice of APP system delivery interface, described delivery proxy interface adopts the delivery interface of the described APP of the synchronous readjustment of the mode of HTTP system, adopts the mode of HTTPS to return to the delivery result to network payment system after receiving the delivery result again.
5. system according to claim 4, it is characterized in that, the internal network of described delivery proxy interface by the APP system side is connected to an above APP system, and be further used for receiving the address of the delivery interface that network payment system sends, synchronously adjust back the delivery interface of correspondence according to this delivery interface IP address.
6. system according to claim 3, is characterized in that, described network payment system side is the HTTPS mode of two-way verification to the https traffic mode that APP system delivery interface adopts.
7. the data processing method in a network payment system, is characterized in that, the method comprises:
Receive the order payment request of application A PP system, receive and return to payment page address corresponding to described order after described payment request;
Receive the user to the payment affirmation information of the payment page corresponding to described order, receive the order amount of money that freezes after described payment affirmation information in this user account;
The delivery interface of synchronous readjustment APP system, described synchronous readjustment content comprises: send comprise described sequence information ship directive to described delivery interface, and wait for the delivery result of described delivery interface;
If the delivery interface from described APP system is at the appointed time received the successfully object information of delivery, deduct the order amount of money that freezes from described user account; Otherwise described in described user account freezed the amount of money processing of thawing.
8. method according to claim 7, it is characterized in that, the method is further synchronously adjusted back the delivery interface of an above APP system at network payment system side utilization delivery gateway, when the delivery interface of a certain APP of synchronous readjustment system, described delivery gateway is submitted in the address of this APP system delivery interface, adjust back described delivery interface by this delivery gateway according to the address synchronization of described delivery interface, and receive the delivery result of described delivery interface.
9. according to claim 7 or 8 described methods, is characterized in that, described network payment system is synchronously adjusted back in the process of delivery interface of APP system, adopts the mode of hypertext transmission security agreement HTTPS to communicate between network payment system and APP system.
10. method according to claim 9, it is characterized in that, the method further arranges the delivery proxy interface in the APP system side, network payment system notifies described delivery proxy interface synchronously to adjust back the delivery interface of APP system by the mode of HTTPS, described delivery proxy interface adopts the delivery interface of the described APP of the synchronous readjustment of the mode of HTTP system, adopts the mode of HTTPS to return to the delivery result to network payment system after receiving the delivery result again.
11. method according to claim 10 is characterized in that, the method further comprises: described delivery proxy interface is connected to an above APP system by internal network; Network payment system is when the delivery interface of a certain APP of synchronous readjustment system, further give described delivery proxy interface with the address notification of this APP system delivery interface, by delivery interface corresponding to address synchronization readjustment of this delivery proxy interface according to described delivery interface.
12. method according to claim 9 is characterized in that, the communication mode of the HTTPS that adopts between described network payment system and APP system is the HTTPS mode of two-way verification.
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